Ready to Outplay the Future?

Password Reset

Please enter the email address for your account. A verification code will be sent to you. Once you have received the verification code, you will be able to choose a new password for your account.

Reminder

Please enter the email address associated with your User account. Your username will be emailed to the email address on file.

Terms of Service

(last modified on May 23rd, 2015)

Welcome to the Whatifics Pte Ltd ("Whatifics") website. We hope you find it to be informative. Your use of this website is subject to the following terms and conditions, and your use of the website constitutes acceptance of these terms ("Agreement"). If you do not agree to the terms stated below OR DO NOT AGREE WITH THIS WEBSITE'S PRIVACY POLICY, THEN YOU MUST immediately LEAVE this website, AS YOU DO NOT HAVE OUR PERMISSION TO USE IT.

PLEASE NOTE: The Whatifics Terms of Service on this web
page are effective as of the 'Last Updated' date above for any user who is
browsing the Whatifics Service, or for any user who creates a Whatifics account
on or after that date.

Eligibility and Assent to Terms: The following Terms
of Service are for the whatifics.com website, or any redirects, including but not limited to whatif.io, outplaythefuture.com, software applications made
available by Whatifics from the website or via a third party ('Software'), and
any application programming interface ('API') or other technology or
services made available by Whatifics via the website or Software
(collectively, the 'Whatifics Service') is a legal contract between you,
('You' or, collectively, 'Users'), and Whatifics regarding your use of the
Whatifics Service ('Terms'). The Whatifics Service is not available to any users
previously removed from the Whatifics Service by Whatifics. By accessing or using
the Site in any manner, including, but not limited to, visiting or browsing
the Site or contributing content or other materials to the Site, you agree
to be bound by these Terms and Conditions.

These Terms provide that all disputes between you and Whatifics
will be resolved by BINDING ARBITRATION. YOU AGREE TO GIVE UP YOUR RIGHT TO
GO TO COURT to assert or defend your rights under this contract (except for
matters that may be taken to small claims court). Your rights will be
determined by a NEUTRAL ARBITRATOR and NOT a judge or jury and your claims
cannot be brought as a class action. Please review the 'Arbitration
Agreement' section below for the details regarding your agreement to
arbitrate any disputes with Whatifics.

YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO
BE BOUND BY THESE TERMS, INCLUDING ANY FUTURE MODIFICATIONS. IF AT ANY TIME
YOU DO NOT AGREE TO THESE TERMS, PLEASE IMMEDIATELY TERMINATE YOUR USE OF
THE WHATIFICS SERVICE.

IF YOU ARE USING OR OPENING AN ACCOUNT WITH WHATIFICS ON BEHALF
OF A COMPANY, ENTITY, OR ORGANIZATION (COLLECTIVELY, A 'SUBSCRIBING
ORGANIZATION') THEN YOU REPRESENT AND WARRANT THAT YOU ARE AN AUTHORIZED
REPRESENTATIVE OF THAT SUBSCRIBING ORGANIZATION WITH THE AUTHORITY TO BIND
SUCH ORGANIZATION TO THESE TERMS AND AGREE TO THESE TERMS ON BEHALF OF SUCH
SUBSCRIBING ORGANIZATION.

BY USING ANY PORTION OF THE WHATIFICS SERVICE, YOU ASSENT TO AND
AGREE TO BE BOUND BY THESE TERMS AND HAVE NOT BEEN PREVIOUSLY REMOVED FROM
THE WHATIFICS SERVICE.

Intellectual Property:
The Site and its original content, features and functionality are
owned by Whatifics Pte Ltd. and are protected by international copyright,
trademark, patent, trade secret and other intellectual property or
proprietary rights laws.

Modification: We reserve the right, at our discretion, to
change these Terms on a going-forward basis at any time. Please check
these Terms periodically for changes. We may notify you of changes to
these Terms by a notice posted on www.Whatifics.com, by e-mail, upon
login to your account on the Service, or by other reasonable means.
If a change to these Terms materially modifies your rights or
obligations, you will be required to accept the change in order to
continue to use the Service. Material changes are effective upon your
acceptance of the modified Terms. Immaterial changes are effective
upon publication on www.Whatifics.com. For the avoidance of doubt,
disputes arising under these Terms will be resolved in accordance
with these Terms in effect that the time the dispute arose.

Additional Terms:
Your use of the Whatifics Service is subject to any and all additional
terms, policies, rules, or guidelines applicable to the Whatifics
Service or certain features of the Whatifics Service that we may post on
or link to on the Whatifics Service (the "Additional Terms"), such as
end-user license agreements for any downloadable applications that we
may offer, or rules applicable to particular features or content on
the Whatifics Service, subject to Section 1. All such Additional Terms
are hereby incorporated by reference into, and made a part of, these
Terms.

Fees and Payment:

Paid Services. Some portions of the Whatifics
Service may have fees associated with them (each, a 'Paid Service').
You will have the opportunity to review and accept the fees that you
will be charged before using a Paid Service. We may change fees for
any portion of the Whatifics Service at any time. Unless otherwise
stated, all fees are quoted in U.S. Dollars.

Free Trial.
Whatifics may make available a 14-day trial for a Paid Service
without charge to you ("Free Trial"). You may be required to
enter a Payment Method (defined below) in order to register for a
Free Trial. The applicable Paid Service will automatically
commence, and your Payment Method will be charged in accordance
with Section 4(d), at the end of the Free Trial unless you log
into your Whatifics account and cancel the Paid Service before the
end of the Free Trial.

You are solely responsible for paying all fees and
applicable taxes associated with your Whatifics Service account in a
timely manner with a valid payment method. By electing to purchase or
otherwise use a Paid Service, you authorize Whatifics or its third party
payment processors to charge the credit card or other payment method
identified by you ('Payment Method'), which you represent and warrant
that you are authorized to use, all applicable fees for that Paid
Service, including all applicable taxes. For purchases of one-time
Paid Services (i.e., not subscriptions), your Payment Method will be
billed for that Paid Service on the date that you make the
purchase.

For purchases of subscriptions to Paid Services:

Your 'Subscription Billing Date' is the
date when you purchase your first subscription to a Paid Service.
For example, if you purchase your first subscription to a Paid
Service on January 10th: (1) your Subscription Billing Date for
your first monthly subscription and all other monthly
subscriptions you purchase is the 10th of each month, (2) your
Subscription Billing Date for your first annual subscription is
January 10th of each year, and (3) your Subscription Billing Date
for all subsequent purchases of annual subscriptions will be the
next soonest 10th monthly calendar day after your date of
purchase. Your Payment Method will be charged automatically on
the Subscription Billing Date all applicable fees for the next
month or year, as applicable.

For any subscription to a Paid Service that you
purchase after your Subscription Billing Date is established,
your Payment Method will first be charged a pro-rata amount of
the subscription fee for the number of days between the purchase
date and the applicable Subscription Billing Date. Your Payment
Method will then be charged the full periodic subscription fee
for the next month or year, as applicable, on each Subscription
Billing Date thereafter (or on the last day of the calendar
month, if the last day of the calendar month occurs before the
Subscription Billing Date for that month).

For any subscription to a Paid Service, that
subscription will continue unless and until you cancel your
subscription or we terminate it. You must cancel your subscription
before it renews in order to avoid billing of the next period's
(i.e., month’s or year’s) subscription fees to your Payment Method.
We will bill the periodic subscription fee to the Payment Method you
provide to us during registration (or to a different Payment Method
if you change your account information).

You acknowledge and agree that any credit card and
related billing and payment information that you provide to Whatifics
may be shared by Whatifics with companies who work on behalf of Whatifics
such as payment processors or credit agencies, solely for the purpose
of checking credit, effecting payment to Whatifics and servicing your
account. The terms of your payment will be based on your chosen
Payment Method and may be determined by agreements between you and
the financial institution providing such Payment Method. For certain
Payment Methods, the issuer of your Payment Method may charge you a
foreign transaction fee or related charges. Check with your bank and
credit card issuers for details. If your Payment Method for any Paid
Service fails or your account is past due, (i) you agree to pay all
amounts due on your Whatifics account upon demand, (ii) Whatifics may
collect fees owed using other collection mechanisms (this includes
charging other payment methods on file with us) and (iii) Whatifics
reserves the right to either suspend or terminate your access to one
or more Whatifics Services or your account with Whatifics. Upon any such
termination, you will remain obligated to pay all outstanding fees
and charges relating to your account and your use of the Whatifics
Service before termination.

Any fees charged to your account are non-refundable
except as expressly stated in these Terms. You agree to submit any
dispute regarding any charge to your account in writing to Whatifics
within thirty (30) days of the charge, otherwise that dispute will be
waived and the charge will be final and not subject to challenge.
Refunds (if any) made pursuant to a dispute, are at the discretion of
Whatifics.

You are responsible for paying any governmental taxes
imposed on your use of the Whatifics Services, including sales, use, or
value added taxes. If requested, you will promptly furnish to Whatifics
the applicable receipts or certificates regarding such remittances as
soon as reasonably practicable. To the extent that Whatifics is
obligated to collect such taxes, Whatifics will charge your Payment
Method or otherwise add the applicable to your billing account.

User Accounts: You may browse the Whatifics.com
website without creating an account, subject to these Terms. In order to
use the full features of the Whatifics Service, you must register for an
account or log into the Whatifics Service using another third party platform
that we support ('Integrated Service'). Your use of any account with an
Integrated Service is subject to any terms, conditions, and policies,
including privacy policies, of that Integrated Service. You are solely
responsible for maintaining the confidentiality of your account and
password and for restricting access to your computer or device, and you
agree to accept responsibility for all activities that occur under your
account or password. You agree that the information you provide to Whatifics
on registration and at all other times will be true, accurate, current,
and complete. You also agree that you will ensure that this information
is kept accurate and up-to-date at all times. If you have reason to
believe that your account is no longer secure (e.g., in the event of a
loss, theft or unauthorized disclosure or use of your account ID,
password, or any credit, debit or charge card number, if applicable),
then you must immediately notify Whatifics. You are solely liable for the
losses incurred by Whatifics or others due to any unauthorized use of your
Whatifics Service account.

Permission to Use Whatifics Service:

Whatifics Pte Ltd grants you a non-exclusive,
non-transferable, limited license to use the Site in accordance with
this Agreement.

You agree not to use or launch any automated system,
including without limitation 'robots' and 'spiders' that accesses the
Whatifics Service in a manner that sends more request messages to the
Whatifics Service in a given period of time than a human can reasonably
produce in the same period by using a conventional web browser or
otherwise use the Whatifics Service to collect or harvest any personally
identifiable information or any data regarding activities on or usage
of the Whatifics Site.

You also agree that for any API made available by
Whatifics: (i) Whatifics makes no representations or warranties whatsoever
regarding any API or any quality of service available via any API;
(ii) Whatifics may restrict usage limits; (iii) you will not modify any
content accessed via that API; (iv) Whatifics may terminate or deprecate
any service or functionality available via an API at any time without
notice or liability; and (v) use of some APIs may require obtaining
an API key from Whatifics, and Whatifics may disable any key at any time
without notice or liability.

Whatifics reserves all rights not expressly granted in
these Terms. You acknowledge that Whatifics may automatically issue
upgraded versions of the software and systems comprising the Whatifics
Service and, accordingly, may upgrade the version of the Whatifics
Service that you are using. Whatifics reserves the right to exercise
whatever lawful means it deems necessary to prevent unauthorized use
of the Whatifics Service, including technological barriers, IP mapping,
and directly contacting your Internet Service Provider (ISP)
regarding such unauthorized use.

License from You

Whatifics claims no ownership or control over any
Content or Application. You retain copyright and any other rights you
already hold in the Content and/or Application, and you are
responsible for protecting those rights, as appropriate. By
submitting, posting or displaying the Content on or through the
Whatifics Services you give Whatifics a worldwide, royalty-free, and
non-exclusive license to reproduce, adapt, modify, translate,
publish, publicly perform, publicly display and distribute such
Content for the sole purpose of enabling Whatifics to provide you with
the Whatifics Services. Furthermore, by creating an Application through
use of the Whatifics Services, you give Whatifics a worldwide,
royalty-free, and non-exclusive license to reproduce, adapt, modify,
translate, publish, publicly perform, publicly display and distribute
such Application for the sole purpose of enabling Whatifics to provide
you with the Whatifics Services.

By adding a collaborator to your Application, you
hereby grant to that user a non-exclusive, royalty-free,
non-transferable license, with no right to sub-license, to use,
display, perform, reproduce, modify, publish, distribute, list
information regarding, edit, translate and analyze such
Application(s) and Content as permitted by the relevant Whatifics
Services functionality or features for the sole purpose of
collaborating on development of the Application(s).

You may choose to or we may invite you to submit
comments or ideas about the Whatifics Services, including without
limitation about how to improve the Whatifics Services or our products
(“Ideas”). By submitting any Idea, you agree that your disclosure is
gratuitous, unsolicited and without restriction and will not place
Whatifics under any fiduciary or other obligation, and that we are free
to use the Idea without any additional compensation to you, and/or to
disclose the Idea on a non-confidential basis or otherwise to
anyone.

You agree that Whatifics, in its sole discretion, may
use your trade names, trademarks, service marks, logos, domain names
and other distinctive brand features in presentations, marketing
materials, customer lists, financial reports and Web site listings
(including links to your website) for the purpose of advertising or
publicizing your use of the Whatifics Services.

Marketplace Apps and Add-ons:

Whatifics may make available through the Whatifics
Marketplace additional features, functionality, and services offered
by third-party partners (“Add-ons”). Your use of Add-ons is subject
to these Terms and to the applicable fees. You acknowledge for each
Add-on you subscribe to or purchase through the Whatifics Service, these
Terms constitute a binding agreement between you and the third party
licensor of that Add-on (“the Add-on Provider”) only. The Add-on
Provider of each Add-on is solely responsible for that Add-on, the
content therein, and any claims that you or any other party may have
relating to that Add-on or your use of that Add-on. You acknowledge
that you are purchasing the license to each Add-on from the Add-on
Provider of that Add-on; Whatifics is acting as agent for the Add-on
Provider in providing each such Add-on to you; Whatifics is not a party
to the license between you and the Add-on Provider with respect to
that Add-on; and Whatifics is not responsible for that Add-on, the
content therein, or any claims that you or any other party may have
relating to that Add-on or your use of that Add-on. You acknowledge
and agree that Whatifics, and Whatifics’s subsidiaries, are third party
beneficiaries of the agreement between you and the Add-on Provider
for each Add-on, and that Whatifics will have the right (and will be
deemed to have accepted the right) to enforce such license against
you as a third party beneficiary thereof.

By subscribing to or purchasing an Add-on, you grant
Whatifics permission to share your Application, Content, and user
information with the Add-on Provider as necessary in order to provide
you the Add-on.

The license granted to you to use any Add-on is
personal to you, and is not sublicensable to your End Users. You may
not provide or resell Add-ons to others.

Recommendations: Whatifics may, and you grant us
permission to, make recommendations via the Whatifics Services for products
or services we think may be of interest to you based on your
Application(s), Content, and/or use of the Whatifics Services. We will never
make recommendations directly to your End Users.

Prohibited Conduct: YOU AGREE NOT TO COMMIT ANY ACT OF THE
FOLLOWING PROHIBITED CONDUCT:

use the Whatifics Service for any purpose other than to
disseminate or receive original or appropriately licensed content and
to access the Whatifics Service as such services are offered by
Whatifics;

delete the copyright or other proprietary rights
markings on the Whatifics Service or other Users’ User Submissions;

make unsolicited offers, advertisements, proposals,
or send junk mail or spam to other Users of the Whatifics Service. This
includes, but is not limited to, unsolicited advertising, promotional
materials, or other solicitation material, bulk mailing of commercial
advertising, chain mail, informational announcements, charity
requests, and petitions for signatures;

use the Whatifics Service in violation of any local,
state, national, or international law, including, without limitation,
laws governing intellectual property and other proprietary rights,
and data protection and privacy or post, upload, or distribute any
defamatory, libelous, or inaccurate User Submissions or other
content;

defame, harass, abuse, threaten or defraud Users of
the Whatifics Service, or post, upload, or distribute any content that
is unlawful or otherwise inappropriate, or collect, or attempt to
collect, personal information about Users or third parties without
their consent, or use the content on the Whatifics Service for any
commercial use, it being understood that the content available on the
Whatifics Service is for personal, non-commercial use only;

impersonate any person or entity, falsely claim an
affiliation with any person or entity, or access the Whatifics Service
accounts of others without permission, forge another persons' digital
signature, misrepresent the source, identity, or content of
information transmitted via the Whatifics Service, or perform any other
similar fraudulent activity;

hack, remove, circumvent, disable, damage or
otherwise interfere with security-related features of the Whatifics
Service or User Submissions, features that prevent or restrict use or
copying of any content accessible through the Whatifics Service, or
features that enforce limitations on the use of the Whatifics Service or
User Submissions, or intentionally interfere with or damage operation
of the Whatifics Service or any user's enjoyment of them, by any means,
including uploading or otherwise disseminating viruses, adware,
spyware, worms, or other malicious code;

reverse engineer, decompile, disassemble or otherwise
attempt to discover the source code of the Whatifics Service or any part
thereof, except and only to the extent that such activity is
expressly permitted by applicable law notwithstanding this
limitation;

modify, adapt, translate or create derivative works
based upon the Whatifics Service or any part thereof, except and only to
the extent that such activity is expressly permitted by these Terms
or applicable law notwithstanding this limitation; or

remove, obscure, block, hide or otherwise alter the
display of any advertising (or any parts or aspects thereof), Whatifics
brand elements, including logos, trademarks, service marks or other
Materials displayed by Whatifics in connection with the Whatifics Service
in any manner whatsoever, regardless of your use of the embedding
functionality of the Whatifics Service to display authorized content on
your or other third party sites.

Content on the Whatifics Services and Take Down Obligations

You understand that all information (such as data
files, written text, computer software, music, audio files or other
sounds, photographs, videos or other images) to which you may have
access as part of, or through your use of, the Whatifics Service are the
sole responsibility of the person from which such content originated.
All such information is referred to below as the “Content.” The term
Content shall specifically exclude the web application that you
create using the Whatifics Service and any scenario information entered by you to
be used with the Whatifics Service (collectively, “Applications”).

Whatifics reserves the right (but shall have no
obligation) to remove any or all Content from the Whatifics Service. You
agree to immediately take down any Content that violates the
Acceptable Use Policy, including pursuant to a take down request from
Whatifics. In the event that you elect not to comply with a request from
Whatifics to take down certain Content, Whatifics reserves the right to
directly take down such Content or to disable Applications.

In the event that you become aware of any violation
of the Acceptable Use Policy by an End User of Applications, you
shall immediately terminate such end user’s account on your
Application. Whatifics reserves the right to disable Applications in
response to a violation or suspected violation of the Acceptable Use
Policy.

You agree that you are solely responsible for (and
that Whatifics has no responsibility to you or to any third party for)
the Application or any Content that you create, transmit or display
while using the Whatifics Service and for the consequences of your
actions (including any loss or damage which Whatifics may suffer) by
doing so.

You agree that Whatifics has no responsibility or
liability for the deletion or failure to store any Content and other
communications maintained or transmitted through use of the Service.
You further acknowledge that you are solely responsible for securing
and backing up your Applications and any Content.

Third Party Software; Integrated Services and Linked Sites:

Whatifics may provide tools through the Whatifics Service
that enable you to export information to Integrated Services,
including through features that allow you to link your Whatifics account
with an account on the Integrated Service, such as DropBox or
Twitter, or through implementation of third party buttons (such as
'like' or 'share' buttons). By using these tools, you agree that we
may transfer that information to the applicable Integrated Service.
In addition, the Whatifics Service may include links or references to
other web sites or services solely as a convenience to Users ('Linked
Sites'). Whatifics does not endorse any such Integrated Services or
Linked Sites or the information, materials, products, or services
contained on or accessible through any of them. Such third party
sites and services are not under Whatifics’s control, and Whatifics is not
responsible for their use of exported information. Your
correspondence or business dealings with, or participation in
promotions of, advertisers found on or through the Whatifics Service are
also solely between you and such advertiser. Access and use of
Integrated Services and Linked Sites, including the information,
materials, products, and services on or available through them, is
solely at your own risk.

Termination; Violations:

You agree that Whatifics, in its sole discretion, and
without penalty, may terminate or suspend any account hosted by, or
your use of, the Whatifics Service and remove and discard all or any
part of your account and User profile for any reason at any time.
Whatifics may also in its sole discretion and at any time discontinue
providing access to the Whatifics Service, or any part thereof, with or
without notice. You agree that any termination of your access to the
Whatifics Service or any account you may have or portion thereof may be
effected without prior notice, and you agree that Whatifics will not be
liable to you or any third party for any such termination. Any
suspected fraudulent, abusive or illegal activity may be referred to
appropriate law enforcement authorities. These remedies are in
addition to any other remedies Whatifics may have at law or in equity.
Upon termination for any reason, you agree to immediately stop using
the Whatifics Service, any accompanying documentation, and all other
associated materials. Your only remedy with respect to any
dissatisfaction with: (i) the Whatifics Service; (ii) any term of these
Terms; (iii) any policy or practice of Whatifics in operating the Whatifics
Service; or (iv) any content or information transmitted through the
Whatifics Service, is to terminate these Terms and your account.

You may cancel a Paid Service at any time by
navigating to your account settings within the Whatifics Service and
selecting the option to cancel that Paid Service. Unused fees are
non-refundable and Whatifics reserves the right to charge you
subscription fees through the end of the subscription term that you
elected. If Whatifics charges you fees for the full subscription term,
you will continue to have access to the cancelled Paid Service
through the end of your subscription term, and these Terms will
continue to apply to your use of that Paid Service.

You may terminate your Whatifics Service account and
these Terms at any time by navigating to your account settings within
the Whatifics Service and selection the option to terminate your
account. If Whatifics terminates your account for your breach of these
Terms, Whatifics reserves the right to charge you fees through the end
of your subscription term for any Paid Service you purchased prior to
termination. If Whatifics terminates your use of any part or all of the
Whatifics Service prior to the completion of your subscription period
(except if such termination is a result of your breach of these
Terms, in which case Whatifics may terminate without liability as
described in the paragraph above), your sole remedy is a pro-rata
refund of the purchase price paid for any terminated Paid
Service.

Privacy; Consent to Electronic Communications:

Your privacy is important to Whatifics. Whatifics's Privacy Policy Notice is
hereby incorporated into these Terms by reference. Please read this
notice carefully for information relating to Whatifics's collection,
use, and disclosure of your personal information.

By registering for an Whatifics Service account, you
consent to receiving certain electronic communications regarding the
Whatifics Service from us as further described in our Privacy Policy. In addition,
when you register for an account, you are automatically opted-in to
receive commercial email from Whatifics, which may include newsletters,
announcements, and recommendations. You may opt-out of commercial
email (but not system administration communications) at any time by
following the instructions contained within the email, or by changing
the notification settings from the 'Account Settings' menu in your
account. You agree that any notices, agreements, disclosures, or
other communications that we send to you electronically will satisfy
any legal communication requirements, including that such
communications be in writing.

You agree that you will protect the privacy and legal
rights of the users to whom you serve web pages (“End Users”) via any
application you develop on the Whatifics Service. You must provide
legally adequate privacy notice and protection for End Users. If End
Users provide you with user names, passwords, or other login
information or personal information, you must make the users aware
that the information will be available to your application and to the
Whatifics Service.

Ownership; Proprietary Rights: The Whatifics Service
is owned and operated by Whatifics. The visual interfaces, graphics, design,
compilation, information, computer code (including source code or object
code), products, software, services, and all other elements of the Whatifics
Service provided by Whatifics (the 'Materials') are protected by United
States copyright, trade dress, patent, and trademark laws, international
conventions, and all other relevant intellectual property and proprietary
rights, and applicable laws. Except for any User Submissions that are
provided and owned by Users, all Materials contained on the Whatifics
Service are the property of Whatifics or its subsidiaries or affiliated
companies or third-party licensors. All trademarks, service marks, and
trade names are proprietary to Whatifics or its affiliates or third-party
licensors. Except as expressly authorized by Whatifics, you agree not to
sell, license, distribute, copy, modify, publicly perform or display,
transmit, publish, edit, adapt, create derivative works from, or
otherwise make unauthorized use of the Materials. Whatifics reserves all
rights not expressly granted in these Terms.

Indemnification: You agree to indemnify Whatifics,
its affiliated companies, contractors, employees, agents and its
third-party suppliers, licensors, and partners from any claims, losses,
damages, liabilities, including legal fees and expenses, arising out of
your use or misuse of the Whatifics Service, any violation by you of these
Terms, or any breach of the representations, warranties, and covenants
made by you in these Terms. Whatifics reserves the right, at your expense,
to assume the exclusive defense and control of any matter for which you
are required to indemnify Whatifics, and you agree to cooperate with
Whatifics's defense of these claims. Upon notice of any impending claim,
action or proceeding, Whatifics will use reasonable efforts to notify of any
indemnification obligation.

Disclaimer of Warranties: WHATIFICS, AND ITS
AFFILIATES, PARTNERS, LICENSORS AND SUPPLIERS DISCLAIM ALL WARRANTIES,
STATUTORY, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT
OF PROPRIETARY RIGHTS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN,
OBTAINED BY YOU FROM WHATIFICS OR THROUGH THE WHATIFICS SERVICE WILL CREATE ANY
WARRANTY NOT EXPRESSLY STATED IN THESE TERMS. YOU EXPRESSLY ACKNOWLEGE
THAT THIS DISCLAIMER INCLUDES WHATIFICS'S OFFICERS, DIRECTORS, EMPLOYEES,
SHAREHOLDERS, AGENTS, LICENSORS AND SUBCONTRACTORS. YOU EXPRESSLY AGREE
THAT THE USE OF THE WHATIFICS SERVICE IS AT YOUR SOLE RISK. THE WHATIFICS
SERVICE AND ANY DATA, INFORMATION, THIRD-PARTY SOFTWARE, USER
SUBMISSIONS, LINKED SITES, PRODUCTS, SERVICES, OR APPLICATIONS MADE
AVAILABLE IN CONJUNCTION WITH OR THROUGH THE WHATIFICS SERVICE ARE PROVIDED
ON AN 'AS IS' AND 'AS AVAILABLE', 'WITH ALL FAULTS' BASIS AND WITHOUT
WARRANTIES OR REPRESENTATIONS OF ANY KIND EITHER EXPRESS OR IMPLIED.
WHATIFICS, ITS SUPPLIERS, LICENSORS, AFFILIATES, AND PARTNERS DO NOT WARRANT
THAT THE DATA, USER SUBMISSIONS, OR ANY OTHER PRODUCTS, SERVICES OR
APPLICATIONS OFFERED ON OR THROUGH THE WHATIFICS SERVICE OR ANY LINKED SITES
WILL BE UNINTERRUPTED, OR FREE OF ERRORS, VIRUSES OR OTHER HARMFUL
COMPONENTS AND DO NOT WARRANT THAT ANY OF THE FOREGOING WILL BE
CORRECTED. WHATIFICS, ITS SUPPLIERS, LICENSORS, AFFILIATES, AND PARTNERS DO
NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS
OF THE USE OF THE WHATIFICS SERVICE OR ANY LINKED SITES IN TERMS OF
CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU UNDERSTAND AND
AGREE THAT YOU USE, ACCESS, DOWNLOAD, OR OTHERWISE OBTAIN INFORMATION,
MATERIALS, OR DATA THROUGH THE WHATIFICS SERVICE OR ANY LINKED SITES AT YOUR
OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY
DAMAGE TO YOUR PROPERTY (INCLUDING YOUR COMPUTER SYSTEM) OR LOSS OF DATA
THAT RESULTS FROM THE DOWNLOAD OR USE OF SUCH MATERIAL OR DATA.

Limitation of Liability and Damages:

UNDER NO CIRCUMSTANCES, INCLUDING NEGLIGENCE, WILL
WHATIFICS OR ITS AFFILIATES, CONTRACTORS, EMPLOYEES, AGENTS, OR
THIRD-PARTY PARTNERS, LICENSORS, OR SUPPLIERS BE LIABLE FOR ANY
SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, RELIANCE, OR
EXEMPLARY DAMAGES (INCLUDING WITHOUT LIMITATION LOST BUSINESS, LOST
REVENUES OR LOSS OF ANTICIPATED PROFITS OR ANY OTHER PECUNIARY OR
NON-PECUNIARY LOSS OR DAMAGE OF ANY NATURE WHATSOEVER) ARISING OUT OF
OR RELATING TO THESE TERMS OR THAT RESULT FROM YOUR USE OR YOUR
INABILITY TO USE THE THE WHATIFICS SERVICE OR ANY LINKED SITES, OR ANY
OTHER INTERACTIONS WITH WHATIFICS OR OTHER WHATIFICS SERVICE USERS, EVEN IF
WHATIFICS OR AN WHATIFICS AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE
POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE
LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL
DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.
IN SUCH CASES, WHATIFICS’S LIABILITY WILL BE LIMITED TO THE FULLEST
EXTENT PERMITTED BY APPLICABLE LAW. IN NO EVENT WILL WHATIFICS OR ITS
AFFILIATES, CONTRACTORS, EMPLOYEES, AGENTS, OR THIRD-PARTY PARTNERS,
LICENSORS, OR SUPPLIERS TOTAL LIABILITY TO YOU FOR ALL DAMAGES,
LOSSES, AND CAUSES OF ACTION ARISING OUT OF OR RELATING TO THESE
TERMS OR YOUR USE OF THE WHATIFICS SERVICE OR YOUR INTERACTIONS WITH
WHATIFICS OR OTHER WHATIFICS SERVICE USERS (WHETHER IN CONTRACT, TORT
INCLUDING NEGLIGENCE, WARRANTY, OR OTHERWISE), EXCEED THE AMOUNT PAID
BY YOU, IF ANY, FOR ACCESSING THE WHATIFICS SERVICE DURING THE TWELVE
(12) MONTHS IMMEDIATELY PRECEDING THE DATE OF THE CLAIM OR ONE
HUNDRED DOLLARS, WHICHEVER IS GREATER. THESE LIMITATIONS OF LIABILITY
ALSO APPLY WITH RESPECT TO DAMAGES INCURRED BY YOU BY REASON OF ANY
PRODUCTS OR SERVICES SOLD OR PROVIDED ON ANY LINKED SITES OR
OTHERWISE BY THIRD PARTIES OTHER THAN WHATIFICS AND RECEIVED THROUGH OR
ADVERTISED ON THE WHATIFICS SERVICE OR RECEIVED THROUGH ANY LINKED
SITES.

YOU ACKNOWLEDGE AND AGREE THAT WHATIFICS HAS OFFERED ITS
PRODUCTS AND SERVICES, SET ITS PRICES, AND ENTERED INTO THESE TERMS
IN RELIANCE UPON THE WARRANTY DISCLAIMERS AND THE LIMITATIONS OF
LIABILITY SET FORTH IN THESE TERMS, THAT THE WARRANTY DISCLAIMERS AND
THE LIMITATIONS OF LIABILITY SET FORTH IN THESE TERMS REFLECT A
REASONABLE AND FAIR ALLOCATION OF RISK BETWEEN YOU AND WHATIFICS, AND
THAT THE WARRANTY DISCLAIMERS AND THE LIMITATIONS OF LIABILITY SET
FORTH IN THESE TERMS FORM AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN
YOU AND WHATIFICS. WHATIFICS WOULD NOT BE ABLE TO PROVIDE THE WHATIFICS
SERVICE TO YOU ON AN ECONOMICALLY REASONABLE BASIS WITHOUT THESE
LIMITATIONS.

CERTAIN JURISDICTIONS DO NOT ALLOW LIMITATIONS ON
IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES.
IF YOU RESIDE IS SUCH A JURISDICTION, SOME OR ALL OF THE ABOVE
DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU
MAY HAVE ADDITIONAL RIGHTS. THE LIMITATIONS OR EXCLUSIONS OF
WARRANTIES, REMEDIES OR LIABILITY CONTAINED IN THESE TERMS APPLY TO
YOU TO THE FULLEST EXTENT SUCH LIMITATIONS OR EXCLUSIONS ARE
PERMITTED UNDER THE LAWS OF THE JURISDICTION WHERE YOU ARE
LOCATED.

Arbitration Agreement; Governing Law:

Generally. In the interest of
resolving disputes between you and Whatifics in the most expedient and
cost effective manner, you and Whatifics agree that any and all disputes
arising in connection with this Agreement will be resolved by binding
arbitration. Arbitration is more informal than a lawsuit in court.
Arbitration uses a neutral arbitrator instead of a judge or jury, may
allow for more limited discovery than in court, and can be subject to
very limited review by courts. Arbitrators can award the same damages
and relief that a court can award. Our agreement to arbitrate
disputes includes, but is not limited to all claims arising out of or
relating to any aspect of these Terms or the Service, whether based
in contract, tort, statute, fraud, misrepresentation or any other
legal theory, and regardless of whether a claim arises during or
after the termination of these Terms. You understand and agree that,
by entering into these Terms, you and Whatifics are each waiving the
right to a trial by jury or to participate in a class action.

Exceptions. You and Whatifics
agree that nothing in these Terms will be deemed to waive, preclude,
or otherwise limit either of our rights to: (i) bring an individual
action in small claims court; (ii) pursue enforcement actions through
applicable federal, state, or local agencies where such actions are
available; (iii) seek injunctive relief in a court of law; or (iv) to
file suit in a court of law to address intellectual property
infringement claims.

Arbitration.
In the event that the dispute is not resolved pursuant to mediation under paragraph 12.1, such dispute shall be referred to and finally resolved by arbitration in Singapore in the English language in accordance with the Arbitration Rules of the Singapore International Arbitration Centre (the “SIAC”) for the time being in force, which rules are deemed to be incorporated by reference to this paragraph. The arbitration tribunal shall consist of one (1) arbitrator to be appointed by the Chairman of the SIAC and the official language of the arbitration shall be English.

No Class Actions. YOU AND Whatifics AGREE THAT EACH
MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL
CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED
CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and
Whatifics agree otherwise, the arbitrator may not consolidate more than
one person’s claims, and may not otherwise preside over any form of a
representative or class proceeding.

Enforceability. If only Subsection (f) of this
arbitration agreement provision, or the entirety of this arbitration
agreement provision, is found to be unenforceable, then the entirety
of this arbitration agreement provision will be void and, in that
case, you and Whatifics both agree that the exclusive jurisdiction and
venue described below will govern any action arising out of or
related to these Terms.

Governing Law; Venue. These Terms and any
action arising out of these Terms or your use of the Service, whether
interpreted in a court of law or in arbitration, will be governed by
and construed in accordance with the laws of Singapore,
without regard to conflict of law principles. To the extent that any
lawsuit or court proceeding is permitted under these Terms, you and
Whatifics agree to the personal and exclusive jurisdiction of the courts
of the Republic of Singapore.

Miscellaneous:

Whatifics may provide you with notices, including those
regarding changes to these Terms, by email, regular mail or postings
on the Whatifics Service. Notice will be deemed given twenty-four hours
after email is sent, unless Whatifics is notified that the email address
is invalid. Alternatively, we may give you legal notice by mail to a
postal address, if provided by you through the Whatifics Service. In
such case, notice will be deemed given three days after the date of
mailing. Notice posted on the Whatifics Service is deemed given 30 days
following the initial posting. The failure of Whatifics to exercise or
enforce any right or provision of these Terms will not constitute a
waiver of such right or provision. Any waiver of any provision of
these Terms will be effective only if in writing and signed by
Whatifics. If any provision of these Terms is held to be unlawful, void,
or for any reason unenforceable, then that provision will be limited
or eliminated from these Terms to the minimum extent necessary and
will not affect the validity and enforceability of any remaining
provisions. These Terms and any rights and licenses granted hereunder
may not be transferred or assigned by you, but may be assigned by
Whatifics without restriction. Any assignment attempted to be made in
violation of these Terms shall be void. Upon termination of these
Terms, any provision which, by its nature or express terms should
survive, will survive such termination or expiration, including
Sections 1 through 7, and 10 through 21. Heading
references are for convenience purposes only, do not constitute a
part of these Terms, and will not be deemed to limit or affect any of
the provisions hereof. These Terms, together with the Privacy Policy. and any other
agreements incorporated by reference, are the entire agreement
between you and Whatifics relating to the subject matter described in
these Terms and will not be modified except in writing, signed by
both parties, or by a change to these Terms made by Whatifics as set
forth above.

YOU AND WHATIFICS AGREE THAT ANY CAUSE OF ACTION
ARISING OUT OF OR RELATED TO THE WHATIFICS SERVICE OR THESE TERMS MUST
COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES.
OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.

Parts of this document are an adaptation of the Google App
Engine Terms of Service. The original work has been modified. Google, Inc.
is not connected with and does not sponsor or endorse Whatifics or its use of
the work.